if my thinking is correct, 2 layers of warm and natural will give the same warmth factor with a lot more bulk. think of how we are told to dress in cold weather...layers...one on top of the other, but still able to remove one and another. also, think of house insulation...the pink stuff. it is lofty, and it holds in the heat, but we can't quilt like that. my idea is to use one layer of w/n and double up on the quilts if necessary. personally, i use a sheet, topped by a cotton blanket, topped by a quilt (using w/n). the sandwich is heavy and warm, and i can peel off the layers if necessary.